 If you wanted George Campbell's advice or Rachel Cruz's advice, you should have called on a different day because sometimes they host or Ken Coleman or Dave Ramsey. So there you have it. All right, let's go to the phone lines. We've got Andy in Portland, Oregon. What's going on, Andy? Hey, guys. Oh, I'm so excited you guys took my phone call today. So I am doing the baby steps with my wife. We just started like a month ago.